they have some documents that show exactly what the new law changes. if all else fails, insurance agents and brokers, we are here for you, we are here to advocate on your behalf. rehab an don't are insurance agent or broker, go to our web site and fined one and they will -- they may not be able to solve your particular problem, but they will certainly make every effort to help you. host: this e-mail -- guest: yes, they are very similar to a student loan or a mortgage is probably a better comparison. a typical scene alone duration is 30 years, like a 30-year mortgage. -- the typical fema loan duration. if you have $100,000 worth of damage, you may need the full 30 years to make the payments affordable for you, although you can take a shorter duration. these are generally low interest, around 4%. host: when you look at the division, is the federal government going to pay out more than private insurers for a disaster like this? if you could take it back to katrina or another one of the big storms? guest: the general rule of thumb is, if you talk about tot